notice of assignment

[Wren2012]

Hello,

i had a debt with HSBC which defaulted in 2008. I got married and moved abroad. In 2012 I moved back after a horrid divorce and had letters to pay this debt which I ignored. In 2015 my situation got worse and was technically homeless - working the whole time but having to stay if sofas of friends etc. Robinson way contacted my estranged mother about the debt to which she paid £15.00 off and I heard nothing at all until the start of this year. Robinson way have been hounding for payment to which I replied with the statute barred letters and proof letters. I have now received a notice of assignment from a company called Hoist. The debt is ten years old and was was just over a 1000 has mounted up to 1425? What do I do? Please help.

[Amethyst]

Write to Hoist and tell them the debt is statute barred.

Robinson way and Hoist are the same company - who is the notice of assignment saying the debt has been sold from and who to?

The payment your mother made doesn't count, as it wasn't you and you didn't know about it, plus it sounds like Robinson Way breached data protection discussing your debt with your mother.

was the original hsbc debt an overdraft or loan or credit card ?

[Rebz]

To clarify Amethyst's post above, Refer S29 - 31. It is not so much that you were not aware of the payment, that is not relevant. The question of law is whether or not the payment was made on your behalf by an "agent" and the law of agency thus applies. Bear in mind therefore that if it goes to Court and they argue the point you may have to convince the Court that there was no agency.